Property already financed - is another bank possible for house construction?

well, it's clear to me that you are reacting so defiantly now. After all, it's about your money. I stick to it: your own fault and the bank is acting fair and legitimate. I wouldn't let you out either. In general, you won't experience any bank letting someone go in such a constellation. You're even lucky that ING doesn't demand an interest surcharge for the subordination. Absolutely fair

Either you don't want to understand it or you're just pretending.. Then continue to enjoy this thread and have a nice day :)

No chance with ING. I tried, even pointing out faulty cancellation instructions. They flat out refused. I didn’t have time for a legal dispute, so I solved it another way, but it cost me a more attractive financing option.

So far, I haven’t had any problems with ING either.

But unlike some others here, I believe you are allowed to shop around nevertheless. Especially if a possible collateral swap is on the table..

:)

No chance with ING. I tried, even pointing out faulty cancellation instructions. They flat out rejected it. I didn't have time for a legal dispute, so I solved it differently, but it cost me a more attractive financing.

Oh, right, with the friends it wasn't ING. For me, however, it's not understandable why the bank resists, at least from an economic point of view. Well, if you approach it from the standpoint that there is currently unlimited money, a land register entry is of course worth more than the money itself.

I have had no problems with ING so far. But unlike some others here, I believe that you are still allowed to ask around. Especially if a possible pledge swap is still on the table.. :)

The bank does not have to agree to a pledge swap. However, it is an option to inquire about. The pledge would have to be of higher value and secured in first priority. The parents would have to agree to it.

The parents would have to agree

Why parents..

I am of legal age and our names are on the house deed :p

I have only skimmed the thread and therefore only really know the initial post. But if it’s about financing in second rank, the Landeskreditbodenanstalt (Bayern) or an alternative in other states might be able to help. They go into second rank without any ifs or buts. I don’t have the terms and everything else ready, though. So please just take it as a small tip, without any assessment of whether it makes sense or not.